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"You are responsible for the protion the insurance company wont pay and you signed..."

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It depends on your health plans agreement with the Doctor you are seeing. If your insurance company has an agreement with the Doctor to accept a set amount you may not be liable to pay at all, on the other hand when you filled out paper work at the doctors office and it stated you are responsible for the protion the insurance company wont pay and you signed it you have to pay. the best way is to speak with your doctors billing department and find out the details and if you are responsible make the payments on time and there should not be a problem.

"$50.00 per mo and you make the payments on time and don`t miss a..."

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Generally after 90 or 120 days, depending upon their policy. Why not call the Dr. and set up a payment plan. I am $30,000.00 in debt after 3 surgeries. If you set up a plan - say $50.00 per mo and you make the payments on time and don`t miss a payment, in most states, they cannot put you in collection. Most will want to work with you. Thanks to our non-functioning economy, MANY are in the same boat. Call them, be polite, and work something out. It is way better than ruining your credit score.

"If you are making the minimum payments they should not send your account to creditors..."

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No :), if you are making the minimum payments they should not send your account to creditors, you`d be surprised how long they will take to send it even when you pay nothing, but your best bet is to pay the min if you can afford it. I don`t know how true this is but I have heard that if you pay just 1 dollar every month they still cannot send it.

Someone said: This is actually incorrect. I work for a hospital in the billing office and if you do not make guidline payments set by the hospital on your balance then they are still send you to collections. check with your billing office to see what guidlines payments are.

Someone said: I know they need there money but when someone is not working and cannot afford the minimum why can`t the hospital/dr have mercy and work with someone. people now days just want money. We are just cattle to them, a number. people are so heartless. but remember the day of judgement is coming and we will have to atone for how we treat people.

"Some companies place people in collections after only one late payment..."

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Some companies place people in collections after only one late payment. I would suggest calling the company asking if you could make smaller payments for now until you are able to pay what they want. If you are afraid to talk to someone maybe write a letter.

Someone said: You can use vinegar in a rug doctor.....I have before....I just use vinegar in the detergant part and VERY hot water......it will stink at first but after you go over your carpet then just use the hot water with nothing else over it again and it will smell fine!

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